Collection agency...or original creditor

[PATA]

NES of Ohio has taken on the collection of my sears account... do I list Sears or the colleciton agency? (has NES purchased the account so now they are my creditor?)

Thanks!

Also... if I am receiving letters from attorneys representing the creditor... do I show them on my creditor matrix? or the original creditor.

[StaciMM]

You can list both, but only list the balance owed once. (Its not important which one shows the balance-the main thing is the address.) If you're doing this w/ Form 7, you can put 'duplicate account' or something similar on the one w/ $0 balance where it says 'consideration for claim'.

So:

Sears
Address for Sears
$X

Sears
NES of Ohio
Address for NES of Ohio
$0

[freshstarter]

It's best to list ALL of those, but only include the money amount once. Yes, list the attorney on the matrix.

[pink_amulet]

Our lawyer told us to MAKE sure we had the original creditor, cause then if the debt is passed along to other agencies we can still have proof, and back track to see who the original creditor was, and then we can say HEY! that's been discharged. We have SOOOO many collection agencies on our matrix, because most of our debt is medical, they are always passing it to someone to try to collect, and we might have missed one down the line. But is always BEST to have the original one down as well!!!

good luck

[HHM]

You list the Original creditor, then in the next box below on the Schedule where you would normally list the next creditor you say

and Representing XYZ Creditor...
insert the collection agencies name and address.
But you don't need to list any amount owed.

[desertoasis]

And if a default judgment has been filed by attorney/collector do you also add the District court on the schedule, or add it only to the mailing list?

[HHM]

And if a default judgment has been filed by attorney/collector do you also add the District court on the schedule, or add it only to the mailing list?

That goes in the statement of financial affiars where it asks about Civil Suits.